BlastPoint's Banking Scorecard
Cenlar FSB
Ewing, NJ
Cenlar FSB has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33.3% in tier
- + Non-Interest-Bearing Deposit Share 77.98% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.0% in tier
- - Liquidity Overhang: Bottom 27.5% in tier
- - Deposit Outflow: Bottom 39.5% in tier
- - Return on Assets 1.71% below tier average
- - Net Interest Margin 1.05% below tier average
- - Delinquency Rate 4.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$864.5M
-4.9% YoY
-3.9% QoQ
|
+$478.4M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Top 5.1% in tier |
| Total Loans ? |
$262.2M
+8.4% YoY
-3.0% QoQ
|
+$6.5M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$510.9M
-3.5% YoY
-9.9% QoQ
|
+$182.9M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
-0.44%
-116.5% YoY
-116.3% QoQ
|
-1.71% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.9% in tier |
| Net Interest Margin ? |
2.88%
-10.2% YoY
-3.2% QoQ
|
-1.05% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio ? |
100.98%
+8.4% YoY
+8.3% QoQ
|
+35.70% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate ? |
5.28%
+60.7% YoY
+32.2% QoQ
|
+4.40% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.8% in tier |
| Loan-to-Deposit Ratio ? |
51.33%
+12.4% YoY
+7.7% QoQ
|
-25.30% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Top 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
100.00%
0% YoY
0% QoQ
|
+77.98% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Top 0.1% in tier |
| Nonperforming Asset Ratio ? |
1.60%
+83.3% YoY
+33.4% QoQ
|
+0.96% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
43.22%
+0.4% YoY
+6.1% QoQ
|
+27.39% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Top 1.2% in tier |
| Non-Interest Income / Assets ? |
13.04%
+2.8% YoY
-74.5% QoQ
|
+12.76% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Top 0.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.